{"url":"https://nivawealth.com/firms/sterling-retirement-group-of-sacramento-168397","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/168397","regulatoryAum":253000000,"crd":"168397","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5305099","suffix":null,"lastName":"FRONTIERA","firstName":"GARY","middleName":"M"},{"crd":"7086494","suffix":"JR","lastName":"GEBHARDT","firstName":"MICHAEL","middleName":"DON"},{"crd":"8190162","suffix":null,"lastName":"RAFTERY","firstName":"JOHN","middleName":"DAVID"},{"crd":"6627399","suffix":null,"lastName":"Souders","firstName":"Brian","middleName":"David"}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2023-05-18","regulatoryAum":112000000,"clients":360,"employees":3,"offices":1},{"filedOn":"2024-07-25","regulatoryAum":161000000,"clients":586,"employees":3,"offices":1},{"filedOn":"2025-05-07","regulatoryAum":177000000,"clients":413,"employees":3,"offices":1},{"filedOn":"2026-03-26","regulatoryAum":253000000,"clients":515,"employees":4,"offices":1}],"secFileNumber":"801-127819","legalName":"Sterling Retirement Group of Sacramento Inc.","displayName":"Sterling Retirement Group of Sacramento","slug":"sterling-retirement-group-of-sacramento-168397","website":"https://sterlingretire.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"300 Harding BLVD #115","city":"Roseville","state":"CA","stateName":"California","country":"United States","postalCode":"95678"},"tradeNames":[],"registration":{"secApproved":"19 May 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":467196.8190854871,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":253000000,"discretionary":235000000,"discretionaryAccounts":1035,"nonDiscretionary":18000000,"nonDiscretionaryAccounts":15,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":438,"regulatoryAum":187000000},{"label":"High-net-worth individuals","clients":65,"regulatoryAum":48000000},{"label":"Pension and profit-sharing plans","clients":12,"regulatoryAum":18000000}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026861","versionId":1026861,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-26","documentName":"ADV PART 2A - FIRM BROCHURE","fee_rate_low":0.3,"fee_rate_high":1.5,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive Financial Planning","summary":"Comprehensive financial planning fees range from $500 to $10,000, depending on the complexity of the client situation.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026861","versionId":1026861,"submittedOn":"2026-03-26","documentName":"ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Consulting Financial Planning","summary":"Consulting financial planning is billed at $400 an hour, with the estimated hours set in the agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026861","versionId":1026861,"submittedOn":"2026-03-26","documentName":"ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:45:34.589681+00:00","documents":[{"name":"ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026861","versionId":1026861,"submittedOn":"2026-03-26"}]},"custodians":[{"name":"Trade-PMR Inc.","shortName":"Trade-PMR","location":"Gainesville, FL","smaAssets":236000000}],"custodyNote":"Sterling Retirement Group of Sacramento does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Gary Frontiera","title":"President/Chief Compliance Officer","crd":"5305099"}],"ownership":[{"label":"Gary Frontiera","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since July 2013."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"300 Harding BLVD #115","city":"Roseville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-724-1702","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Commissions"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"U.S. government/agency bonds","percent":2},{"label":"Investment grade corporate bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"26 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/168397/PDF/168397.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026861","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Sterling Retirement Group of Sacramento have?","answer":"Sterling Retirement Group of Sacramento has 515 clients and manages $253 million for them, as of March 2026. They include 438 individual clients, 65 high-net-worth individuals, and 12 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sterling Retirement Group of Sacramento offer?","answer":"Sterling Retirement Group of Sacramento provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Sterling Retirement Group of Sacramento charge?","answer":"Sterling Retirement Group of Sacramento charges 0.30%–1.50% a year for its Portfolio Management Services. The fee is billed in advance.","source":"ADV PART 2A - FIRM BROCHURE, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Sterling Retirement Group of Sacramento use?","answer":"Sterling Retirement Group of Sacramento’s separately managed account assets are held at Trade-PMR Inc. (Gainesville, FL), with $236M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sterling Retirement Group of Sacramento have?","answer":"Sterling Retirement Group of Sacramento has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Sterling Retirement Group of Sacramento invest in?","answer":"At the end of its last fiscal year, Sterling Retirement Group of Sacramento’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 5% investment grade corporate bonds, 3% cash and equivalents and 2% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Sterling Retirement Group of Sacramento?","answer":"Sterling Retirement Group of Sacramento’s direct owner is Gary Frontiera (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sterling Retirement Group of Sacramento get paid?","answer":"Sterling Retirement Group of Sacramento is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Sterling Retirement Group of Sacramento?","answer":"Sterling Retirement Group of Sacramento’s main office is at 300 Harding BLVD #115, Roseville, CA 95678. Its phone number is 916-724-1702. Its website is sterlingretire.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}